Will I be accepted?

See how likely you are to be accepted for a Bank of Scotland credit card. Your credit rating will not be affected and there is no obligation to apply for a credit card afterwards.

Unfortunately, based on the information you provided, we would not be able to offer you a credit card.

Based on the information you provided, your eligibility score is 10%. It is unlikely you would be approved for one of our credit cards.

Based on the information you provided, your eligibility score is 20%. It is unlikely you would be approved for one of our credit cards.

Based on the information you provided, your eligibility score is 30%. It is unlikely you would be approved for one of our credit cards.

Based on the information you provided, your eligibility score is 40%. It is unlikely you would be approved for one of our credit cards.

Based on the information you provided, your eligibility score is 50%. There is a chance you would be approved for one of our credit cards.

Based on the information you provided, your eligibility score is 60%. It is likely you would be approved for one of our credit cards.

Based on the information you provided, your eligibility score is 70%. It is likely you would be approved for one of our credit cards.

Based on the information you provided, your eligibility score is 80%. It is likely you would be approved for one of our credit cards.

Based on the information you provided, your eligibility score is 90%. It is very likely you would be approved for one of our credit cards.

Based on the information you provided, your eligibility score is 95%. It is very likely you would be approved for one of our credit cards.

Great news, based on the information you provided, you are pre-approved for a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

Great news, based on the information you provided, you are pre-approved for a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

Great news, based on the information you provided, you are pre-approved for a credit card. This decision is only valid for this session; please complete the eligibility checker again if you do not want to apply now.

We'll make some assumptions CloseWe have made a number of assumptions in this calculation. You must:remain eligible for the promotional offerkeep up with the above monthly repaymentsstay within your credit limitmake at least your minimum monthly repayment on time.about your card usage to make a calculation

To help you find a suitable credit card, we just need to know:

How much do you plan to spend?

£

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How much do you plan to repay each month?

£

Please enter a higher amount

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We'll make some assumptions CloseWe have made a number of assumptions in this calculation. You must:remain eligible for the promotional offerkeep up with the above monthly repaymentsstay within your credit limitmake at least your minimum monthly repayment on time.about your card usage to make a calculation

Representative example

Credit limits and interest rates will vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?

This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.

What does purchase rate mean?

When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.

What is a credit limit?

If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.

What does APR mean?

APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.

Could my APR be different from the example?

We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.

What is an annual fee?

This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).

Representative example

Credit limits and interest rates will vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?

This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.

What does purchase rate mean?

When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.

What is a credit limit?

If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.

What does APR mean?

APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.

Could my APR be different from the example?

We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.

What is an annual fee?

This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).

Balance transfer offer

Balance transfer fee

on balance transfers made within 90 days of account opening (3% initially charged)

Purchase rate offer

0% for 12 months

from account opening

Representative example

Most successful applicants will get:

a variable annual purchase rate of

19.95% p.a.

and a variable representative

19.9% APR

based on borrowing:

£1,200 over 12 months

Credit limits and interest rates will vary based on your individual circumstances.

What do these numbers mean

What is a representative example?

This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.

What does purchase rate mean?

When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.

What is a credit limit?

If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.

What does APR mean?

APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.

Could my APR be different from the example?

We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.

What is an annual fee?

This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).

Purchase rate offer

Representative example

Credit limits and interest rates will vary based on your individual circumstances.

What do these numbers mean?

What is a representative example?

This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.

What does purchase rate mean?

When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.

What is a credit limit?

If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.

What does APR mean?

APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.

Could my APR be different from the example?

We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.

What is an annual fee?

This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).

Representative example

Credit limits and interest rates will vary based on your individual circumstances.

What do these numbers mean

What is a representative example?

This is a table of information designed to show how much this account would cost most successful applicants. We use the example of how much it would cost over one year if you borrowed £1,200. It is for illustrative purposes only, and does not reflect the credit limit you will get if you successfully apply.

What does purchase rate mean?

When you use your credit card to buy things, you will be charged interest on your purchases (outside of any introductory offer periods). If you pay off the outstanding balance of your credit card each month, you would not be charged purchase rate interest.

What is a credit limit?

If you successfully apply for a credit card, a limit on how much you can spend on it will be applied. You must not go over this limit. Your credit limit will be based on your current circumstances, and may vary.

What does APR mean?

APR stands for 'Annual Percentage Rate' and is a figure that includes all fees, charges and interest rates associated with your credit card. APR is a representative figure and it allows you to quickly compare credit cards.

Could my APR be different from the example?

We treat all applications on an individual basis, so the APR you get is determined by the details supplied on your application, along with an independent verification of your credit and repayment history. Most successful applicants (at least 51%) will receive the lowest APR displayed in the representative example.

What is an annual fee?

This is a fee charged every 12 months as a condition of continuing to hold this credit card account. (There will be other costs attached to holding a credit card account, which are outlined in this account's Summary Box).